itrek Travel Insurance

itrek

Looking for a travel insurance provider that will cover you when you wander off the beaten track? itrek might just be the one for you. We’ve collected some frequently asked questions, possible exclusions and important info that you’ll need to know before taking out an itrek travel insurance policy.

About itrek

itrek are an Australian based, online travel insurance provider offering affordable cover for travellers. Their focus is on travel insurance ‘for travellers, not tourists’, and their policies specialise in cover for adventure activities. itrek are a part of the 1Cover Travel Insurance Group, which has provided over 1 million Aussies with travel insurance cover since 2003, and underwritten by Lloyd’s.

Rates and fees verified as correct at 10 December, 2016. Other information correct at the time of writing.

itrek travel insurance policies

With itrek, you can choose a single, group or family policy at a range of different levels of cover, from the comprehensive Pioneer package, mid-range Trekker and Adventurer, through to the basic Wanderer. Their policies are tailored for those with adventure in mind, and cover a wide range of sporting and leisure activities automatically. Check out our table below for a list of itrek’s available policies:

Activities covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Frequently asked questions about iTrek travel insurance

Q1. Who can apply for itrek Travel Insurance?

Travel insurance policies from itrek are available to Australian residents under 65 years of age, who will begin and end their trip in Australia and buy the policy before leaving. Children or grandchildren under the age of 21, who are not in full time employment and are travelling with you for the entire trip are covered for free.

itrek travel insurance policies are designed for young adventurers and thrill seekers, but if you’re over the age threshold, there’s still effective cover available to you. Check out Mozo’s guide to travel insurance for over 55s.

Q2. What sports and adventure activities are covered under an itrek travel insurance policy?

Heaps! itrek cover is designed to let you experience all the adventure activities you want to, so the list of included activities is extensive, covering 108 activities, like gorge walking, abseiling, bungee jumping and zorbing.

The better question is, which sports and activities are not covered. Hunting, racing, sailing more than 10 nautical miles from land, polo, mountaineering or rock climbing, parachuting and hang gliding are all excluded from cover. Skydiving, or any activity in a plane where you are not just a passenger are excluded, as are any professional or competitive sporting activities. Diving or driving a motorcycle or moped aren’t covered unless you have the appropriate license.You can still take part in these activities, you just won’t be able to make a claim that relates to any of them.

Yes! itrek travel insurance policies automatically cover 34 pre-existing medical conditions, provided that you haven’t been hospitalised for the condition in the last 12 months, it has been stable for this time, and you aren’t planning to undergo surgery or special medical treatment for it.Epilepsy, diabetes, high blood pressure, high cholesterol and asthma are all on the list of included conditions but do have special considerations. For example, to be covered for epilepsy, you can't have had a seizure in the last 12 months, or be on more than one anticonvulsant medication.

Q4. Can I extend my itrek Travel Insurance policy while I am travelling?

If your trip is extended due to delays from your travel provider, for example if your flight is delayed, your itrek travel insurance can be extended free of charge. You need to contact itrek as soon as possible to ensure an extension in this case, because it is not automatic. In any other case, you need to contact itrek at least 7 days before your policy expires to request an extension. If they agree to extend the policy you will pay an extra premium, and can extend the policy for up to 18 months.

Q5. Which destination should I choose for my policy?

When you take out a travel insurance policy with itrek, you’ll need to nominate the countries you’ll be visiting. It’s important to choose the right ones, because otherwise, you won’t be covered fully. This sometimes gets tricky if you’re on a cruise or if you’ll be making stopovers on your flight. If you’re making a stopover of up to two days in any country except the USA, you’ll be automatically covered there without including it on your nominated destinations. If you’ll be having a stopover in the USA, you’ll have to nominate it as a destination when you buy your policy.If you’re on a cruise, you need to nominate all the countries you’ll be stopping in to ensure you’ll be covered for the entire trip. Check out our guide, for more information on travel insurance for cruises.

Q6. Can I cancel my itrek Travel Insurance policy?

You have 14 days to cancel your itrek policy for a full refund. If you’ve already started your trip, made or are planning to make a claim on your policy, or if it’s after the 14 day period, you can still cancel your policy, but you won’t receive any refund.

itrek Travel Insurance: the fine print

Although itrek will cover you while you’re off the beaten track, there are still a number of exclusions and conditions that apply to your travel insurance policy. Make sure your claim runs smoothly by paying attention to the fine print and keeping these things in mind:

If you’re under the influence of drugs or alcohol at the time of an incident, your travel insurance policy won’t cover you

If you are committing a crime when your claim arises you won’t be covered under any of your policy benefits

itrek won’t cover any pre-existing medical conditions except those explicitly stated in your PDS. Make sure you check the list carefully, because if you don’t disclose medical conditions, they could affect your claim

If there are travel warnings for the location you're travelling to or if there is unrest while you’re there and you put yourself in danger by ignoring warnings, you won’t be covered

If you make a mistake when booking your trip or if you don’t have all the necessary documents, like passports and visas, you aren’t covered for things like cancellation or delay

If you can claim compensation for loss, damage, delay or cancellation from someone else - like a transport or tour company - then itrek won’t pay a claim for the same thing

If an act or threat of terrorism is responsible for your claim it will usually be denied

If you have to cancel or delay your trip because your employer cancels your leave time you aren’t covered for cancellation. The exception to this rule is if you are employed full time by the Australian Defence Force or other emergency services

If you have to cancel your trip because of the death or illness of a family member, you’ll only be covered if you can prove you were unaware - and that it was reasonable for you to be unaware - of the likelihood that this would become a problem.

You are responsible for your own safety on your trip. If itrek determines that your claim arises from any circumstance where you needlessly endangered yourself, they may deny your claim

Making a claim with itrek Travel Insurance

Any claims on your itrek travel insurance policy need to be made within 30 days of your return home. Here are a few quick steps you can follow to make claiming easy:

Step 1. Make sure you have the receipts, police or hospital statements, or statements from your transport service that are relevant to your claim. These might be needed to prove ownership, value or to prove that an incident happened the way you said it did.Step 2. Call or email itrek to let them know you’re making a claim. Now is a good time to check what documents or details your particular claim might need.Step 3. Dowload the claims form from the itrek website and fill it out completely. If you send in an uncompleted form, your claim may take longer to process or the amount you're entitled to be paid may be reduced.Step 4. Post the form and supporting documents to itrek. Make sure you keep a copy of everything in case something goes wrong along the way.

Sometimes, itrek might need to contact you for further information, in which case your claim will take a little longer than usual, but if all goes smoothly, your claim should be processed within 15 business days.

How is itrek Travel Insurance rated by the Mozo Community?

Read how the Mozo community has rated itrek Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

itrek travel insurance review

Overall rating 8 / 10

Great to deal with, hassle free cover

I really liked my insurer, they were hassle free when it came to making a claim. I provided them with details on my iPod that was stolen and they covered it without any complications besides requesting a police statement. I also required added...

I really liked my insurer, they were hassle free when it came to making a claim. I provided them with details on my iPod that was stolen and they covered it without any complications besides requesting a police statement. I also required added time on my cover while I was travelling, they sorted this out for me easily and affordably via email.

itrek travel insurance review

Overall rating 9 / 10

Itrek all you need in travel insurance plus more

Fast and easy to read website with your options & inclusions right in front of you. No searching through endless pages comparing options. And the best thing, a real human on the end of the phone. Couldn't be happier. Thanks Mozo & itrek.

Fast and easy to read website with your options & inclusions right in front of you. No searching through endless pages comparing options. And the best thing, a real human on the end of the phone. Couldn't be happier. Thanks Mozo & itrek.

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Compare itrek Travel Insurance policies with other Australian Insurers

itrek travel insurance policies let you follow your inner wanderer and walk the road less traveled, but it’s always a good idea to check out all the options for travel insurance before you choose the policy that will cover your next adventure. At Mozo we’ve made things simple with our free and easy travel insurance comparison tool. All you have to do is tell us about your trip - the dates you're leaving and coming back, destination, number and age of travellers - and we’ll give you a comparison of travel insurance options so you can find one that fits your trip and budget.

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